- tony.holliday@goosehead.com
- (719) 960-4898
- 102 S. Tejon St Suite 1128, Colorado Springs, CO 80903
Flood damage can happen fast. A heavy storm, snowmelt, or water moving where it shouldn’t can cause expensive damage in a short time.
Flood insurance helps protect your home and belongings from flood-related losses. It is usually separate from standard homeowners, renters, or landlord coverage.
At Tony Holliday Insurance, we help people in Colorado Springs understand flood risk and choose flood coverage that fits their property and budget.
If you’re reviewing all home coverage options, start with Home Insurance in Colorado Springs
Flood insurance helps cover damage caused by flooding. It is typically a separate policy and may be worth considering even if you are not in a high-risk flood zone.
Many people think “water damage is water damage.” Insurance doesn’t see it that way.
Flood damage usually means water that comes from outside and rises or spreads onto your property, such as:
Flood coverage is built for these situations.
Colorado Springs is not a coastal city, but flooding still happens here.
Flood risk can come from:
Even a few inches of water can damage floors, drywall, cabinets, and electrical systems.
Flood coverage can make sense for different property types.
If you own a home, flood coverage can help protect the structure and reduce out-of-pocket costs after a flood. If you're insuring the home you live in, Homeowners Insurance .
Renters' flood coverage can help protect your belongings. Your landlord's policy typically does not cover your personal items. If you rent, Renters Insurance .
If you own a rental property, flood coverage can help protect the building and reduce downtime after flood damage. If you rent out a home to others, Landlord / Rental Property Insurance .
Flood coverage can also matter for condo owners, depending on the building and what you want to protect. If you own a condo, Condo Insurance , based on your policy terms.
Flood policies can vary, but many focus on two main areas.
This can help pay for flood damage to parts of the home, such as: Foundation and structural elements Electrical and plumbing systems Water heaters and HVAC equipment Built-in cabinets and certain permanent fixtures Drywall and flooring, depending on the area and policy rules
This can help pay for damage to personal items such as: Furniture Clothing Electronics Appliances (depending on the policy and where the items are located) We'll explain what's included and what's limited, so you know what you're buying.
Flood coverage is helpful, but it has limits. Many policies do not cover:
We’ll walk through the details before you choose a plan.
A single-family home, a condo, and a rental property can be handled differently.
Some people focus on the building. Some focus on content. Some want both.
We help you balance coverage and cost so you don't pay for more than you need. If you also want extra liability protection across home and auto, you may want Personal Umbrella Insurance .
To start a quote, we usually need:
We confirm the property and the basic flood rating details.
We explain what each option protects in plain English.
You choose the option that makes sense. We help you set it up correctly.
We help renters in nearby communities, including:
Flood coverage is easier than most people think. If you want to help protect your home or belongings from flood damage, start here. We'll give you clear options you can understand.
Flood insurance is usually separate from standard homeowners insurance. Many people add flood coverage as a separate policy. If you're insuring the home you live in, see Homeowners Insurance.
You still can. Flood losses can happen outside high-risk zones. It depends on your property and your comfort level.
Yes. Renters can often get flood coverage for personal belongings. If you rent, see Renters Insurance.
It depends on what you want to protect. Some people choose building coverage, some choose contents, and many choose both.
In many cases, we can provide options quickly once we have the address and basic property details. You can start here: Get a Free Quote .
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